You're missing the point.
Ignore for the moment that the battery has to stop charging at 100%... it can't take any more power and therefore charging has to stop.:)
The main point is that once the battery is full, the charging stops. Whether you're using wired or wireless charging, the phone and the charger communicate between each other. Indeed, when you first connect (either wired or wireless), the phone negotiates with the charger to set power rates, then the charger kicks in. When the battery is full, the phone stops charging and signals to the charger to stop.
Now, the phone has a natural 'vampire drain' that keeps the systems ticking, so over time that 100% will drop, but the charger will remain off until/unless the phone's battery level drops below a certain threshold (98% comes to mind, but I might be wrong), at which point it signals to the charger to start again. Maybe that's what you're concerned about? For that, Apple added 'Optimized Battery Charging' in Settings -> Battery -> Charging which delays the charging start such that it finishes in sync with your typical rise time. This limits the vampire drain 'top-off' and should be used if you're concerned... although it's an imperfect system if you have an irregular schedule.